Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Southeastern Banking has the GF Score of 68, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Southeastern Banking
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Southeastern Banking GF Score Related Terms
SEBC vs BSFO, BKSC, BYFC: GF Score Comparison
For the Banks - Regional subindustry, Southeastern Banking's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Southeastern Banking GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Southeastern Banking's GF Score distribution charts can be found below:
* The bar in red indicates where Southeastern Banking's GF Score falls into.
Southeastern Banking (SEBC) has a GF Score of 68 as of Jul. 30, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Southeastern Banking and its competitors. This is near median its historical median of 70.00. Over the past decade, Southeastern Banking's GF Score has ranged from 62.00 to 72.00.
Is Southeastern Banking's GF Score too high?
Southeastern Banking's current GF Score of 68 is near median its 10-year median of 70.00. Over the past 10 years, this metric has ranged from a low of 62.00 to a high of 72.00. Overall, Southeastern Banking has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southeastern Banking's GF Score compare to BSFO and BKSC?
Southeastern Banking's GF Score of 68 can be compared against companies in the Banks industry. Historically, Southeastern Banking's own GF Score has ranged from 62.00 to 72.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Southeastern Banking and its competitors. Southeastern Banking's current GF Score is 68, which is near median its own 10-year median of 70.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southeastern Banking stock overvalued right now?
Based on GuruFocus' analysis, Southeastern Banking (SEBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $23.50, compared to a current price of $30.46 — trading 29.6% above its estimated fair value. The current GF Score is 68, which is near median its 10-year median of 70.00. Southeastern Banking's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Southeastern Banking (SEBC), the current GF Score is 68 as of Jul. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Southeastern Banking (SEBC) Overvalued in 2026?
Based on GuruFocus' analysis, Southeastern Banking stock appears to be overvalued.
The current stock price of $30.46 is trading 29.6% above its estimated GF Value™ of $23.50.
GuruFocus considers Southeastern Banking to be Modestly Overvalued.
Key valuation signals for SEBC:
GF Score: 68 (near median its 10-year median of 70.00)
GF Value™: $23.50 vs. price of $30.46 (29.6% above fair value)
No single metric tells the full story. See the SEBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southeastern Banking Corp is a financial services company with operations in southeast Georgia and northeast Florida. It offers a broad range of commercial and consumer banking products and services to customers located mainly in the local market areas. The segments used in the portfolio include commercial real estate, residential real estate - mortgage, other commercial, financial, agricultural, and consumer. Commercial real estate has been divided into three classes, including construction and development, owner-occupied, and non-owner-occupied credits.
68GF Score
Get the complete analysis for SEBC
GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SEBC has been successfully added to your 
